The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,843
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,678
−HK$849/mo
Today · 4.125%
HK$28,527
baseline
▲ 0.50% · 4.625%
HK$30,262
+HK$1,735/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,054/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,863
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,664
−HK$812/mo
Today · 4.125%
HK$31,476
baseline
▲ 0.50% · 4.625%
HK$33,135
+HK$1,659/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$62,952/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,212
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,214
−HK$1,018/mo
Today · 4.125%
HK$34,232
baseline
▲ 0.50% · 4.625%
HK$36,315
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,464/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,835
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,797
−HK$975/mo
Today · 4.125%
HK$37,772
baseline
▲ 0.50% · 4.625%
HK$39,763
+HK$1,991/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,544/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,581
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,750
−HK$1,187/mo
Today · 4.125%
HK$39,937
baseline
▲ 0.50% · 4.625%
HK$42,367
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,874/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,808
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,929
−HK$1,138/mo
Today · 4.125%
HK$44,067
baseline
▲ 0.50% · 4.625%
HK$46,390
+HK$2,323/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,134/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,318
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,821
−HK$1,527/mo
Today · 4.125%
HK$51,348
baseline
▲ 0.50% · 4.625%
HK$54,472
+HK$3,124/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,696/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,753
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,195
−HK$1,462/mo
Today · 4.125%
HK$56,657
baseline
▲ 0.50% · 4.625%
HK$59,644
+HK$2,987/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,314/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,452 · Scale 2, in force from 26 Feb 2026)